1. I have student debt from my law degree, and I have a lower risk tolerance until that's paid off. 2. My daughter is 4, it's nice to be around for the early years, and the corporate gig is quite comfortable in terms of hours. 3. I'm in Maine. Most clients would require me to travel, which impacts #2.

I do have a former colleague here that started a data consultancy. I should grab a beer with him and see if we have common ground in the short term. It's not quite starting your own thing, but it might be fun.